The outlook for private health insurance remains fraught with uncertainty.  After decades of financial success, it’s difficult for many in the industry to think about meaningfully changing the current model beyond responding to the latest reinterpretation of the Affordable Care Act (ACA).

However, no business model cast in stone can deliver results when the very landscape is changing in dramatic fashion.  When market realities change, the business model must change as well – and market realities have definitely changed.